Travel Insurance

​Travel medical insurance for Europe is recommended for travelers (both US citizens and non US citizens) visiting Europe for vacation, business, student, and other purposes and may even be required for some international travelers. Many people traveling to Europe visit multiple European countries in the same trip. Depending on the travelers Schengen visa, which grants travelers free movement within the Schengen Area of Europe, requires proof of travel health insurance with their visa application. Europe travel insurance has now become a visa qualifying requirement for many European countries.

Countries like Spain, France, Germany, Netherlands etc may not issue a visa unless you have sufficient travel health insurance meeting specific insurance coverage criteria. Travel insurance for Europe provides coverage for any medical emergency or travel emergencies while you are traveling around Europe. Once you buy the travel insurance for Europe, you get a proof of insurance and a visa letter, that can be submitted to the consulates in order to get the Schengen visa.

VisitorsCoverage offers a variety of visitors insurance plans, underwritten by top rated carriers like AIG, Llyods, Nationwide etc., that meet the Europe visa travel insurance requirements. You can purchase a policy online, on the same day as your embassy or consulate appointment, and VisitorsCoverage will provide a visa letter that you can include in your Europe visa application as proof of travel insurance.

​Visitors Travel Insurance for Senior Travelers Over 70 and 80 Years of Age.

If you are considering buying travel insurance for seniors, who are 70 years or older for their upcoming travel to the USA, you will benefit from the following tips about finding the cheapest or best overseas travel medical insurance.

If you are an immigrant living in the US, you probably would like to have your parents and relatives visit you in your new home. But if your visiting family are elderly, you may worry about their health while traveling. Even if senior travelers are in seemingly good health, the stress of travel, change in environment and cultural differences may have an effect on their health so it is important to be prepared.

The question that naturally follows is, "what is the best visitor insurance for elderly parents or seniors over 70 years of age?"

Unfortunately, there aren't many choices for travel insurance for elderly belonging to this age group.
Age is one of the most important factors when considering a travel health insurance purchase. There is a misconception that younger people are healthier than the elderly. Because of this, most insurance companies are reluctant to give higher policy maximum or flexible benefits for people above 70 years of age.

Most non-US travel insurance companies may even decline issuing a policy for people over 70 years old, without a pre-medical exam. Even US-based travel medical insurance companies, offering insurance coverage, impose a lot of restrictions. For people in their 70s, the policy maximum amount is restricted to $50,000 for comprehensive plans, while limited coverage plans only cover up to $75,000. For people above 80, the policy maximum is even less. For comprehensive coverage plans, the maximum policy amount is just $15,000, and for limited coverage plans, it is $70,000. The premium for purchasing insurance is always higher for the elderly.
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In general, the older a person gets, the higher their risk of illness and injury, so it is absolutely essential to get better coverage, even if it is expensive. Medical expenses in the USA are exorbitantly high and even the simplest medical attention can cost hundreds to thousands of dollars, so it is always better to buy insurance.

​When considering a policy for senior travelers, take note of:

Their General Health Condition

Some people in their 70s and 80s are almost as healthy as a younger person. While buying a visitors health insurance, it is important to know about the traveler's general health condition. If they are more susceptible to sickness or injury or remain unhealthy, you should go for a higher policy plan, which might be more expensive. In the case of a person whose general health is stable, and doesn't get sick too often, you may choose a lower coverage plan.

Activities They Might Participate in During Travel

Before purchasing the right health insurance for visitors, it is important to consider the activities that they plan to undertake during their visit to the USA. If the traveler is more likely to stay indoors without traveling much or participating in adventurous activities, you may choose a limited coverage plan. For elderly people, even the a short car drive from one place to another can be strenuous and lead to sickness or injury. If the visitor wishes to participate in a number of activities during their stay in the USA, they should consider a comprehensive coverage policy with a higher policy maximum.

Length of Their Stay or Policy Period

The longer the person stays in the USA, the higher the chances of falling sick or having an injury. So, if the period of stay for the visitor is extended, the higher policy maximum should be chosen.

J-1 visa is issued by the U.S. government to people taking part in academic or cultural programs sponsored by schools, businesses, organizations and institutions. Individuals are granted a J-1 exchange visitor visa if they are visiting the US as an au-pair, nanny, student, scholar, trainee, teacher, professor, research assistant, medical graduate, or international visitor, and participating in a program of studies, training, research, or a cultural enrichment program.

J-1 visa is for persons who are approved to participate in exchange visitor programs in the U.S., under provisions of U.S. immigration law. This means that before you can apply at a U.S. Embassy or Consulate for a J visa, you must first apply, meet the requirements, and be accepted for one of the Exchange Visitor Program categories through a designated sponsoring organization. If you are accepted as a participant in an exchange program, the sponsor will provide you with information and documents necessary to apply for the J-1 visa to enter USA.

Students entering the USA on J-1 visa must have valid health insurance for J1 visa that meets certain health insurance requirements for J1 Visa set by the Department of State / visa authorities. For J-1 Visa holders, health insurance is not an option, it's a requirement. If you are applying for a US visa as an exchange visitor, then the first thing you might want to consider before applying for yourJ-1/Au-Pair visa is health insurance.

The United States government issues a J1 exchange visitor visa to people taking part in academic, work-based or cultural exchange programs sponsored by schools, businesses, organizations and institutions. A J2 visitor visa is usually given to the dependents and spouses of individuals visiting the US on a J1 visa.

Who Needs J1 Visa Health Insurance?

The following is a list of the most common J1 visa holders:

College and university students

Camp counselors

Au pairs

Interns and trainees

Government visitors

Physicians

Educators and research scholars

If you are visiting the US for any of these reasons, you are most likely required to have J1 visa insurance that meets certain requirements. As of May 15, 2015, new requirements have been set by the US Department of State for J1 visa holders.

What Should I Look for in a J1 Visa Insurance Plan?

The following three features are most important:

Medical benefits

Return of moral remains coverage

Medical evacuation coverage

Individual sponsorship programs may have other specific insurance requirements, so be sure to check with your sponsor before purchasing a plan. J1 visa holders are also required to provide adequate proof of insurance that meets these requirements. If J1 or J2 visa holders fail to meet the necessary medical insurance requirements, it may be grounds for termination from the exchange program.

Why it Matters

Having J1 visa medical insurance is important not only because it is required for the immigration process, but also because if you become sick, get injured or are involved in an accident, the subsequent medical bills could cost up to hundreds of thousands of dollars without insurance, depending on the ailment. Medical care is often much more expensive in the US than in other countries, so it is imperative to have insurance to help cover the costs, otherwise you or your sponsor may be held responsible for paying the expenses out of pocket.

The unexpected can happen anytime, anywhere, so it is important to protect yourself and your sponsors by having a quality J1 visa medical insurance plan for the extent of your stay.

Visitor Insurance in USA is a short-term health insurance for foreign visitors to USA that is recommended for anybody visiting on a business tour, leisure holiday, or religious trip. The plan offers protection against injury or medical illness sustained during the trip and is also available for individuals visiting from India on visitor visa or tourist visa (B2 visa), business visa (B1 visa), and other temporary visas. Traveling with international visitors insurance is a smart thing to do, especially if you are visiting USA. Be a well-informed traveler and protect yourself and your family with travel insurance.

You can easily compare visitors insurance policies and buy these online, without having to do any kind of paperwork or needing to undergo a medical exam. You will require name, passport number and date of birth of the traveler, in order to complete the application. VisitorsCoverage offer plans that are highly rated and underwritten by reputed insurance carriers. Upon successful enrollment, you will receive an online confirmation and printable ID card.

OneNetworx a pioneer in online travel in the Philippines is now a proud marketing affiliate of VisitorsCoverage. OneNetworx's affiliation with VisitorsCoverage is in line with OneNetworx's Partnership Program called Alliance Beyond Business and is also consistent with its vision to be one of the largest online companies in the Philippines.

VisitorsCoverage is an InsurTech company located in the heart of sunny Silicon Valley, VisitorsCoverage Inc. is disrupting the global travel insurance industry by leveraging technology to redefine the way travelers purchase and manage travel insurance. We truly believe that travel insurance should not be complicated, so we set out to find a solution to help travelers make the best decisions quickly and easily.

VisitCoverage's mission is clear: They Want to Make Travel Insurance Simple for Everyone.

Intuitive to the needs of their customers while blazing a trail in the ever-evolving insurance industry, they strive to educate their customers and empower them to make informed choices with the help of patented decision-making tools. Their commitment to improving the industry, coupled with the highest quality coverage and service for their customers around the world, their objective is to be the most trusted and preferred brand for global travel insurance.​With more than a decade of experience and unparalleled expertise in the travel insurance space, They are able to anticipate travelers needs and create revolutionary new insurance products to meet those needs while also offering a seamless online experience, saving customers time and frustration.Offering the highest-rated insurance products combined with expert knowledge and unrivaled customer service, VisitorsCoverage takes care of travel insurance so international travelers can explore the world confidently and worry-free.​OneNetworx is working together with VisitorsCoverage in making travel insurance purchase SIMPLIFIED.